Home > The Marion National Bank > Performance and Condition Ratios
The Marion National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7648% | 4,216 |
| Cost of funding earning assets | 0.6540% | 3,991 |
| Net interest margin | 3.1109% | 3,077 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 1.8763% | 3,882 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.8737% | 2,621 |
| Return on assets (ROA) | 0.8709% | 2,604 |
| Pretax return on assets | 1.0390% | 2,563 |
| Return on Equity (ROE) | 6.5900% | 3,391 |
| Retained earnings to average equity (ytd only) | 6.5893% | 2,026 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.1222% | 2,716 |
| Assets per employee ($millions) | 5.1307% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,218 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 33.0000% | 4,231 |
| Net loans and leases to deposits | 38.8424% | 4,221 |
| Net loans and leases to core deposits | 40.9661% | 4,274 |
| Total domestic deposits to total assets | 84.9700% | 2,322 |
| Equity capital to assets | 13.7474% | 722 |
| Core capital (leverage) ratio | 13.1888% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $29,738,800 | 4,467 |
| Average earning assets | $27,066,200 | 4,437 |
| Average equity | $3,930,600 | 4,359 |
| Average total loans | $9,652,800 | 4,416 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6007% | 4,307 |
| Cost of funding earning assets | 0.5130% | 4,116 |
| Net interest margin | 3.0877% | 3,159 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 1.8319% | 3,919 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8180% | 2,968 |
| Return on assets (ROA) | 0.8142% | 2,968 |
| Pretax return on assets | 0.9679% | 2,940 |
| Return on Equity (ROE) | 6.2300% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.2251% | 2,562 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.8801% | 2,503 |
| Assets per employee ($millions) | 6.2404% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 1,520 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 33.6100% | 4,248 |
| Net loans and leases to deposits | 38.9237% | 4,237 |
| Net loans and leases to core deposits | 40.9623% | 4,241 |
| Total domestic deposits to total assets | 86.3600% | 2,080 |
| Equity capital to assets | 12.3934% | 948 |
| Core capital (leverage) ratio | 13.2759% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $29,477,500 | 4,489 |
| Average earning assets | $26,772,250 | 4,462 |
| Average equity | $3,855,250 | 4,377 |
| Average total loans | $9,488,750 | 4,442 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5000% | 4,344 |
| Cost of funding earning assets | 0.3753% | 4,204 |
| Net interest margin | 3.1248% | 3,164 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 1.8407% | 3,930 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.8223% | 3,012 |
| Return on assets (ROA) | 0.8165% | 3,044 |
| Pretax return on assets | 0.9688% | 2,997 |
| Return on Equity (ROE) | 6.1300% | 3,661 |
| Retained earnings to average equity (ytd only) | 6.1277% | 2,577 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.6364% | 2,526 |
| Assets per employee ($millions) | 5.4640% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 1,442 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 36.5300% | 4,161 |
| Net loans and leases to deposits | 43.2972% | 4,127 |
| Net loans and leases to core deposits | 45.9442% | 4,131 |
| Total domestic deposits to total assets | 84.3700% | 2,735 |
| Equity capital to assets | 14.2204% | 621 |
| Core capital (leverage) ratio | 13.9766% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $28,902,667 | 4,518 |
| Average earning assets | $26,114,000 | 4,492 |
| Average equity | $3,851,333 | 4,407 |
| Average total loans | $9,106,667 | 4,476 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4808% | 4,292 |
| Cost of funding earning assets | 0.3151% | 4,154 |
| Net interest margin | 3.1657% | 3,198 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.7916% | 4,044 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.9160% | 2,804 |
| Return on assets (ROA) | 0.9160% | 2,758 |
| Pretax return on assets | 1.1181% | 2,663 |
| Return on Equity (ROE) | 7.0900% | 3,495 |
| Retained earnings to average equity (ytd only) | 7.0935% | 2,469 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.2903% | 2,779 |
| Assets per employee ($millions) | 5.6440% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 1,331 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 31.5500% | 4,334 |
| Net loans and leases to deposits | 36.8395% | 4,299 |
| Net loans and leases to core deposits | 38.9628% | 4,294 |
| Total domestic deposits to total assets | 85.6400% | 2,694 |
| Equity capital to assets | 14.0149% | 598 |
| Core capital (leverage) ratio | 12.8326% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $29,694,000 | 4,577 |
| Average earning assets | $26,660,500 | 4,554 |
| Average equity | $3,834,500 | 4,469 |
| Average total loans | $8,598,000 | 4,550 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8655% | 4,271 |
| Cost of funding earning assets | 0.1183% | 4,292 |
| Net interest margin | 2.7472% | 3,981 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 2.0777% | 3,359 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5298% | 4,037 |
| Return on assets (ROA) | 0.5298% | 3,992 |
| Pretax return on assets | 0.5298% | 4,130 |
| Return on Equity (ROE) | 3.9100% | 4,174 |
| Retained earnings to average equity (ytd only) | 3.9057% | 3,430 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.6813% | 741 |
| Assets per employee ($millions) | 5.1947% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 920 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 25.7500% | 4,483 |
| Net loans and leases to deposits | 29.3305% | 4,482 |
| Net loans and leases to core deposits | 30.8064% | 4,475 |
| Total domestic deposits to total assets | 87.8000% | 2,142 |
| Equity capital to assets | 11.9161% | 957 |
| Core capital (leverage) ratio | 12.7344% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $28,877,600 | 4,617 |
| Average earning assets | $26,208,600 | 4,588 |
| Average equity | $3,917,400 | 4,540 |
| Average total loans | $7,464,600 | 4,592 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7505% | 4,246 |
| Cost of funding earning assets | 0.0823% | 4,402 |
| Net interest margin | 2.6682% | 3,993 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 2.0632% | 3,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4616% | 4,148 |
| Return on assets (ROA) | 0.4616% | 4,093 |
| Pretax return on assets | 0.4287% | 4,237 |
| Return on Equity (ROE) | 3.2900% | 4,264 |
| Retained earnings to average equity (ytd only) | 3.2927% | 3,702 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.7977% | 618 |
| Assets per employee ($millions) | 4.8217% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8352% | 688 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 24.5900% | 4,533 |
| Net loans and leases to deposits | 28.1531% | 4,528 |
| Net loans and leases to core deposits | 29.6862% | 4,514 |
| Total domestic deposits to total assets | 87.3500% | 2,644 |
| Equity capital to assets | 12.3574% | 805 |
| Core capital (leverage) ratio | 12.5781% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $28,305,000 | 4,653 |
| Average earning assets | $25,934,250 | 4,625 |
| Average equity | $3,968,250 | 4,579 |
| Average total loans | $7,291,000 | 4,630 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6493% | 4,219 |
| Cost of funding earning assets | 0.0768% | 4,409 |
| Net interest margin | 2.5725% | 3,954 |
| Noninterest income to average assets | 0.0427% | 4,654 |
| Noninterest expense to average assets | 2.0002% | 3,430 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4840% | 3,938 |
| Return on assets (ROA) | 0.4840% | 3,889 |
| Pretax return on assets | 0.4271% | 4,113 |
| Return on Equity (ROE) | 3.3176% | 4,169 |
| Retained earnings to average equity (ytd only) | 3.3176% | 3,342 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4047% | 770 |
| Assets per employee ($millions) | 4.8458% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7819% | 835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 25.2141% | 4,575 |
| Net loans and leases to deposits | 29.0521% | 4,571 |
| Net loans and leases to core deposits | 31.3867% | 4,544 |
| Total domestic deposits to total assets | 86.7893% | 3,014 |
| Equity capital to assets | 12.9183% | 677 |
| Core capital (leverage) ratio | 12.1634% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,096,667 | 4,691 |
| Average earning assets | $26,044,333 | 4,672 |
| Average equity | $4,099,333 | 4,610 |
| Average total loans | $7,305,667 | 4,695 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6241% | 4,081 |
| Cost of funding earning assets | 0.0937% | 4,216 |
| Net interest margin | 2.5304% | 3,832 |
| Noninterest income to average assets | 0.0435% | 4,672 |
| Noninterest expense to average assets | 1.9125% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4636% | 3,802 |
| Return on assets (ROA) | 0.4636% | 3,766 |
| Pretax return on assets | 0.4781% | 3,908 |
| Return on Equity (ROE) | 2.9970% | 4,088 |
| Retained earnings to average equity (ytd only) | 2.9970% | 3,264 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,155 |
| Assets per employee ($millions) | 5.6020% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8076% | 870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 25.7944% | 4,571 |
| Net loans and leases to deposits | 30.2745% | 4,545 |
| Net loans and leases to core deposits | 32.8573% | 4,512 |
| Total domestic deposits to total assets | 85.2017% | 3,497 |
| Equity capital to assets | 14.4627% | 452 |
| Core capital (leverage) ratio | 12.3739% | 951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,607,500 | 4,718 |
| Average earning assets | $25,609,000 | 4,699 |
| Average equity | $4,271,000 | 4,633 |
| Average total loans | $7,226,500 | 4,725 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1176% | 3,650 |
| Cost of funding earning assets | 0.0901% | 4,455 |
| Net interest margin | 3.0275% | 3,121 |
| Noninterest income to average assets | 0.1365% | 4,468 |
| Noninterest expense to average assets | 2.0927% | 3,405 |
| Loan and lease loss provision to assets | 0.0227% | 2,610 |
| Net operating income to assets | 0.6976% | 3,636 |
| Return on assets (ROA) | 0.6976% | 3,689 |
| Pretax return on assets | 0.8227% | 3,680 |
| Return on Equity (ROE) | 4.1110% | 4,197 |
| Retained earnings to average equity (ytd only) | 4.1110% | 3,183 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2258% | 1,590 |
| Assets per employee ($millions) | 5.4410% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8746% | 760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 25.5909% | 4,638 |
| Net loans and leases to deposits | 30.8039% | 4,609 |
| Net loans and leases to core deposits | 33.5890% | 4,566 |
| Total domestic deposits to total assets | 83.0766% | 3,792 |
| Equity capital to assets | 16.5080% | 328 |
| Core capital (leverage) ratio | 12.9358% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,377,200 | 4,766 |
| Average earning assets | $24,409,800 | 4,751 |
| Average equity | $4,475,800 | 4,673 |
| Average total loans | $7,525,800 | 4,763 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2949% | 3,403 |
| Cost of funding earning assets | 0.0937% | 4,548 |
| Net interest margin | 3.2012% | 2,725 |
| Noninterest income to average assets | 0.0560% | 4,792 |
| Noninterest expense to average assets | 2.0379% | 3,562 |
| Loan and lease loss provision to assets | 0.0306% | 2,382 |
| Net operating income to assets | 0.8101% | 3,503 |
| Return on assets (ROA) | 0.8101% | 3,572 |
| Pretax return on assets | 0.9476% | 3,593 |
| Return on Equity (ROE) | 4.7405% | 4,177 |
| Retained earnings to average equity (ytd only) | 4.7405% | 3,314 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5676% | 1,891 |
| Assets per employee ($millions) | 5.3800% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 862 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 26.4089% | 4,691 |
| Net loans and leases to deposits | 31.9899% | 4,672 |
| Net loans and leases to core deposits | 34.9366% | 4,633 |
| Total domestic deposits to total assets | 82.5539% | 3,813 |
| Equity capital to assets | 16.9665% | 338 |
| Core capital (leverage) ratio | 13.0286% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,170,250 | 4,841 |
| Average earning assets | $24,198,500 | 4,823 |
| Average equity | $4,472,000 | 4,744 |
| Average total loans | $7,633,500 | 4,832 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2398% | 3,588 |
| Cost of funding earning assets | 0.1002% | 4,584 |
| Net interest margin | 3.1396% | 2,928 |
| Noninterest income to average assets | 0.0463% | 4,844 |
| Noninterest expense to average assets | 2.0211% | 3,632 |
| Loan and lease loss provision to assets | 0.0309% | 2,362 |
| Net operating income to assets | 0.7791% | 3,564 |
| Return on assets (ROA) | 0.7791% | 3,633 |
| Pretax return on assets | 0.8948% | 3,675 |
| Return on Equity (ROE) | 4.5482% | 4,226 |
| Retained earnings to average equity (ytd only) | 4.5482% | 3,345 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5864% | 1,807 |
| Assets per employee ($millions) | 5.1972% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7275% | 1,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 28.6770% | 4,692 |
| Net loans and leases to deposits | 34.8403% | 4,659 |
| Net loans and leases to core deposits | 38.1801% | 4,624 |
| Total domestic deposits to total assets | 82.3097% | 3,861 |
| Equity capital to assets | 17.2785% | 309 |
| Core capital (leverage) ratio | 13.1554% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,927,000 | 4,879 |
| Average earning assets | $23,952,333 | 4,860 |
| Average equity | $4,441,333 | 4,775 |
| Average total loans | $7,765,667 | 4,865 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0093% | 4,064 |
| Cost of funding earning assets | 0.1003% | 4,644 |
| Net interest margin | 2.9090% | 3,489 |
| Noninterest income to average assets | 0.0463% | 4,858 |
| Noninterest expense to average assets | 2.0234% | 3,648 |
| Loan and lease loss provision to assets | 0.0154% | 2,577 |
| Net operating income to assets | 0.6333% | 3,855 |
| Return on assets (ROA) | 0.6333% | 3,925 |
| Pretax return on assets | 0.6950% | 4,027 |
| Return on Equity (ROE) | 3.7129% | 4,342 |
| Retained earnings to average equity (ytd only) | 3.7129% | 3,587 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0113% | 1,312 |
| Assets per employee ($millions) | 5.2062% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 1,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 31.2819% | 4,656 |
| Net loans and leases to deposits | 37.7725% | 4,631 |
| Net loans and leases to core deposits | 41.3602% | 4,582 |
| Total domestic deposits to total assets | 82.8166% | 3,735 |
| Equity capital to assets | 16.8645% | 322 |
| Core capital (leverage) ratio | 12.8895% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,897,500 | 4,905 |
| Average earning assets | $23,926,000 | 4,884 |
| Average equity | $4,417,000 | 4,798 |
| Average total loans | $7,857,000 | 4,893 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1067% | 4,562 |
| Cost of funding earning assets | 0.1707% | 4,674 |
| Net interest margin | 2.9360% | 4,046 |
| Noninterest income to average assets | 0.1292% | 4,631 |
| Noninterest expense to average assets | 2.1372% | 3,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5558% | 3,886 |
| Return on assets (ROA) | 0.5558% | 3,989 |
| Pretax return on assets | 0.6850% | 3,909 |
| Return on Equity (ROE) | 3.3344% | 4,297 |
| Retained earnings to average equity (ytd only) | 3.3344% | 3,159 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7282% | 1,264 |
| Assets per employee ($millions) | 5.1528% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7063% | 1,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 28.3962% | 4,789 |
| Net loans and leases to deposits | 34.4980% | 4,770 |
| Net loans and leases to core deposits | 37.8303% | 4,743 |
| Total domestic deposits to total assets | 82.3125% | 3,590 |
| Equity capital to assets | 17.2489% | 317 |
| Core capital (leverage) ratio | 13.1170% | 865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,548,000 | 4,906 |
| Average earning assets | $23,433,400 | 4,895 |
| Average equity | $4,258,600 | 4,825 |
| Average total loans | $7,669,200 | 4,923 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1515% | 4,631 |
| Cost of funding earning assets | 0.1884% | 4,706 |
| Net interest margin | 2.9631% | 4,063 |
| Noninterest income to average assets | 0.0784% | 4,827 |
| Noninterest expense to average assets | 2.1024% | 3,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5544% | 3,899 |
| Return on assets (ROA) | 0.5544% | 3,988 |
| Pretax return on assets | 0.6903% | 3,925 |
| Return on Equity (ROE) | 3.3552% | 4,325 |
| Retained earnings to average equity (ytd only) | 3.3552% | 3,372 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2809% | 1,272 |
| Assets per employee ($millions) | 5.0022% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 1,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 32.6097% | 4,774 |
| Net loans and leases to deposits | 39.7679% | 4,757 |
| Net loans and leases to core deposits | 43.7483% | 4,716 |
| Total domestic deposits to total assets | 81.9999% | 3,421 |
| Equity capital to assets | 17.5323% | 336 |
| Core capital (leverage) ratio | 12.9270% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,494,000 | 4,936 |
| Average earning assets | $23,353,500 | 4,926 |
| Average equity | $4,212,250 | 4,850 |
| Average total loans | $7,725,750 | 4,955 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1479% | 4,755 |
| Cost of funding earning assets | 0.2133% | 4,724 |
| Net interest margin | 2.9347% | 4,252 |
| Noninterest income to average assets | 0.0624% | 4,883 |
| Noninterest expense to average assets | 2.0737% | 4,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5535% | 3,877 |
| Return on assets (ROA) | 0.5535% | 3,957 |
| Pretax return on assets | 0.6704% | 3,928 |
| Return on Equity (ROE) | 3.4178% | 4,257 |
| Retained earnings to average equity (ytd only) | 3.4178% | 3,215 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8636% | 4,568 |
| Assets per employee ($millions) | 5.1052% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 1,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 31.2701% | 4,833 |
| Net loans and leases to deposits | 37.7150% | 4,838 |
| Net loans and leases to core deposits | 41.3532% | 4,807 |
| Total domestic deposits to total assets | 82.9115% | 3,109 |
| Equity capital to assets | 16.7437% | 396 |
| Core capital (leverage) ratio | 13.1329% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,655,000 | 4,966 |
| Average earning assets | $23,444,000 | 4,955 |
| Average equity | $4,154,667 | 4,883 |
| Average total loans | $7,540,000 | 4,990 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1269% | 4,900 |
| Cost of funding earning assets | 0.2392% | 4,799 |
| Net interest margin | 2.8877% | 4,450 |
| Noninterest income to average assets | 0.0778% | 4,900 |
| Noninterest expense to average assets | 2.0529% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5910% | 3,619 |
| Return on assets (ROA) | 0.5910% | 3,676 |
| Pretax return on assets | 0.6532% | 3,803 |
| Return on Equity (ROE) | 3.7118% | 4,035 |
| Retained earnings to average equity (ytd only) | 3.7118% | 2,799 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8621% | 1,577 |
| Assets per employee ($millions) | 4.7830% | 2,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7013% | 877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 30.6837% | 4,895 |
| Net loans and leases to deposits | 37.0475% | 4,893 |
| Net loans and leases to core deposits | 40.8802% | 4,864 |
| Total domestic deposits to total assets | 82.8225% | 3,161 |
| Equity capital to assets | 16.9977% | 442 |
| Core capital (leverage) ratio | 12.8241% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,719,500 | 5,012 |
| Average earning assets | $23,409,500 | 5,002 |
| Average equity | $4,095,000 | 4,930 |
| Average total loans | $7,255,500 | 5,039 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3595% | 4,934 |
| Cost of funding earning assets | 0.2895% | 4,753 |
| Net interest margin | 3.0699% | 4,417 |
| Noninterest income to average assets | 0.7720% | 1,540 |
| Noninterest expense to average assets | 2.1894% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3454% | 1,520 |
| Return on assets (ROA) | 1.3373% | 1,629 |
| Pretax return on assets | 1.3921% | 2,190 |
| Return on Equity (ROE) | 8.1245% | 3,111 |
| Retained earnings to average equity (ytd only) | 8.1245% | 938 |
| Net charge-offs to loans | -0.0263% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9871% | 3,536 |
| Assets per employee ($millions) | 5.5048% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 25.1381% | 5,027 |
| Net loans and leases to deposits | 29.6127% | 5,038 |
| Net loans and leases to core deposits | 32.6954% | 5,026 |
| Total domestic deposits to total assets | 84.8896% | 2,539 |
| Equity capital to assets | 14.9869% | 798 |
| Core capital (leverage) ratio | 13.6867% | 1,002 |
| Tier 1 risk-based capital ratio | 26.6532% | 641 |
| Total risk-based capital ratio | 27.7671% | 636 |
| Memoranda: | ||
| Average total assets | $23,704,600 | 5,087 |
| Average earning assets | $21,759,400 | 5,071 |
| Average equity | $3,901,800 | 5,000 |
| Average total loans | $7,616,400 | 5,097 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5298% | 4,937 |
| Cost of funding earning assets | 0.3053% | 4,786 |
| Net interest margin | 3.2245% | 4,246 |
| Noninterest income to average assets | 0.0938% | 5,011 |
| Noninterest expense to average assets | 2.1978% | 4,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7902% | 3,705 |
| Return on assets (ROA) | 0.7795% | 3,811 |
| Pretax return on assets | 0.8557% | 3,989 |
| Return on Equity (ROE) | 4.6108% | 4,452 |
| Retained earnings to average equity (ytd only) | 4.6108% | 3,096 |
| Net charge-offs to loans | -0.0344% | 4,738 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7017% | 1,884 |
| Assets per employee ($millions) | 4.5014% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7663% | 726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 31.3813% | 5,032 |
| Net loans and leases to deposits | 38.1433% | 5,032 |
| Net loans and leases to core deposits | 43.2729% | 4,975 |
| Total domestic deposits to total assets | 82.2722% | 3,393 |
| Equity capital to assets | 17.5057% | 437 |
| Core capital (leverage) ratio | 13.1724% | 1,270 |
| Tier 1 risk-based capital ratio | 26.9100% | 648 |
| Total risk-based capital ratio | 28.1079% | 641 |
| Memoranda: | ||
| Average total assets | $22,749,750 | 5,169 |
| Average earning assets | $20,964,000 | 5,156 |
| Average equity | $3,846,000 | 5,076 |
| Average total loans | $7,759,000 | 5,173 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5481% | 4,975 |
| Cost of funding earning assets | 0.3036% | 4,818 |
| Net interest margin | 3.2445% | 4,252 |
| Noninterest income to average assets | 0.0964% | 5,054 |
| Noninterest expense to average assets | 2.1638% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8482% | 3,477 |
| Return on assets (ROA) | 0.8322% | 3,596 |
| Pretax return on assets | 0.9111% | 3,814 |
| Return on Equity (ROE) | 4.9808% | 4,350 |
| Retained earnings to average equity (ytd only) | 4.9808% | 2,780 |
| Net charge-offs to loans | -0.0503% | 4,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9717% | 2,230 |
| Assets per employee ($millions) | 4.7440% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 1,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 33.6298% | 5,035 |
| Net loans and leases to deposits | 40.3388% | 5,042 |
| Net loans and leases to core deposits | 45.3496% | 4,974 |
| Total domestic deposits to total assets | 83.3685% | 3,087 |
| Equity capital to assets | 16.4629% | 541 |
| Core capital (leverage) ratio | 12.4277% | 1,574 |
| Tier 1 risk-based capital ratio | 22.8924% | 954 |
| Total risk-based capital ratio | 23.9249% | 960 |
| Memoranda: | ||
| Average total assets | $22,830,670 | 5,216 |
| Average earning assets | $21,081,670 | 5,204 |
| Average equity | $3,814,670 | 5,119 |
| Average total loans | $7,948,670 | 5,219 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5311% | 5,020 |
| Cost of funding earning assets | 0.2716% | 4,925 |
| Net interest margin | 3.2594% | 4,252 |
| Noninterest income to average assets | 0.1072% | 5,052 |
| Noninterest expense to average assets | 2.2335% | 4,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7660% | 3,727 |
| Return on assets (ROA) | 0.7505% | 3,818 |
| Pretax return on assets | 0.8577% | 3,900 |
| Return on Equity (ROE) | 4.4568% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.4568% | 3,143 |
| Net charge-offs to loans | -0.1016% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8391% | 2,058 |
| Assets per employee ($millions) | 4.5938% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 1,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 34.3637% | 5,060 |
| Net loans and leases to deposits | 41.2922% | 5,056 |
| Net loans and leases to core deposits | 46.5966% | 4,969 |
| Total domestic deposits to total assets | 83.2209% | 3,307 |
| Equity capital to assets | 16.5745% | 490 |
| Core capital (leverage) ratio | 12.7562% | 1,376 |
| Tier 1 risk-based capital ratio | 22.7914% | 959 |
| Total risk-based capital ratio | 23.8390% | 957 |
| Memoranda: | ||
| Average total assets | $22,386,000 | 5,276 |
| Average earning assets | $20,617,000 | 5,261 |
| Average equity | $3,769,500 | 5,172 |
| Average total loans | $7,871,000 | 5,280 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2418% | 5,119 |
| Cost of funding earning assets | 0.1657% | 5,132 |
| Net interest margin | 3.0761% | 4,683 |
| Noninterest income to average assets | 0.1116% | 5,117 |
| Noninterest expense to average assets | 2.1917% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6919% | 4,159 |
| Return on assets (ROA) | 0.6919% | 4,164 |
| Pretax return on assets | 0.7365% | 4,322 |
| Return on Equity (ROE) | 4.2459% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.2459% | 3,215 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8476% | 1,517 |
| Assets per employee ($millions) | 4.3606% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6188% | 987 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 34.8438% | 5,102 |
| Net loans and leases to deposits | 42.1166% | 5,077 |
| Net loans and leases to core deposits | 46.8372% | 5,010 |
| Total domestic deposits to total assets | 82.7317% | 3,412 |
| Equity capital to assets | 17.1169% | 410 |
| Core capital (leverage) ratio | 13.8199% | 976 |
| Tier 1 risk-based capital ratio | 23.2843% | 885 |
| Total risk-based capital ratio | 24.3539% | 880 |
| Memoranda: | ||
| Average total assets | $22,403,200 | 5,322 |
| Average earning assets | $20,513,200 | 5,309 |
| Average equity | $3,650,600 | 5,218 |
| Average total loans | $7,928,000 | 5,326 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2114% | 5,193 |
| Cost of funding earning assets | 0.1293% | 5,279 |
| Net interest margin | 3.0822% | 4,733 |
| Noninterest income to average assets | 0.1183% | 5,139 |
| Noninterest expense to average assets | 2.1400% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7508% | 4,074 |
| Return on assets (ROA) | 0.7508% | 4,083 |
| Pretax return on assets | 0.7981% | 4,296 |
| Return on Equity (ROE) | 4.6644% | 4,658 |
| Retained earnings to average equity (ytd only) | 4.6644% | 3,412 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8370% | 1,761 |
| Assets per employee ($millions) | 4.2642% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 1,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 37.4513% | 5,096 |
| Net loans and leases to deposits | 45.3667% | 5,072 |
| Net loans and leases to core deposits | 50.5732% | 5,006 |
| Total domestic deposits to total assets | 82.5524% | 3,450 |
| Equity capital to assets | 17.2365% | 405 |
| Core capital (leverage) ratio | 13.3707% | 1,149 |
| Tier 1 risk-based capital ratio | 24.5622% | 795 |
| Total risk-based capital ratio | 25.7023% | 780 |
| Memoranda: | ||
| Average total assets | $22,553,250 | 5,390 |
| Average earning assets | $20,634,000 | 5,378 |
| Average equity | $3,630,250 | 5,285 |
| Average total loans | $7,979,500 | 5,395 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1629% | 5,257 |
| Cost of funding earning assets | 0.1048% | 5,396 |
| Net interest margin | 3.0581% | 4,798 |
| Noninterest income to average assets | 0.1219% | 5,186 |
| Noninterest expense to average assets | 2.1164% | 4,562 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7664% | 3,971 |
| Return on assets (ROA) | 0.7664% | 3,976 |
| Pretax return on assets | 0.8013% | 4,239 |
| Return on Equity (ROE) | 4.8682% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.8682% | 3,145 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5373% | 1,911 |
| Assets per employee ($millions) | 4.5128% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5637% | 1,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 34.8741% | 5,210 |
| Net loans and leases to deposits | 43.1580% | 5,167 |
| Net loans and leases to core deposits | 47.9116% | 5,100 |
| Total domestic deposits to total assets | 80.8057% | 4,054 |
| Equity capital to assets | 16.1851% | 475 |
| Core capital (leverage) ratio | 12.5913% | 1,389 |
| Tier 1 risk-based capital ratio | 23.5159% | 883 |
| Total risk-based capital ratio | 24.6234% | 880 |
| Memoranda: | ||
| Average total assets | $22,964,000 | 5,450 |
| Average earning assets | $20,993,330 | 5,436 |
| Average equity | $3,615,330 | 5,349 |
| Average total loans | $7,936,000 | 5,457 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0750% | 5,330 |
| Cost of funding earning assets | 0.0566% | 5,546 |
| Net interest margin | 3.0184% | 4,852 |
| Noninterest income to average assets | 0.1381% | 5,177 |
| Noninterest expense to average assets | 2.1067% | 4,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7771% | 3,806 |
| Return on assets (ROA) | 0.7771% | 3,804 |
| Pretax return on assets | 0.7943% | 4,162 |
| Return on Equity (ROE) | 5.0042% | 4,486 |
| Retained earnings to average equity (ytd only) | 5.0042% | 3,167 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6190% | 2,100 |
| Assets per employee ($millions) | 4.5664% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 1,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 34.4867% | 5,258 |
| Net loans and leases to deposits | 41.0232% | 5,248 |
| Net loans and leases to core deposits | 45.2867% | 5,181 |
| Total domestic deposits to total assets | 84.0662% | 3,298 |
| Equity capital to assets | 15.7936% | 522 |
| Core capital (leverage) ratio | 12.2089% | 1,523 |
| Tier 1 risk-based capital ratio | 22.5086% | 990 |
| Total risk-based capital ratio | 23.5862% | 991 |
| Memoranda: | ||
| Average total assets | $23,164,000 | 5,507 |
| Average earning assets | $21,203,500 | 5,494 |
| Average equity | $3,597,000 | 5,408 |
| Average total loans | $7,907,000 | 5,518 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0049% | 5,352 |
| Cost of funding earning assets | 0.0889% | 5,533 |
| Net interest margin | 2.9160% | 5,018 |
| Noninterest income to average assets | 0.1284% | 5,301 |
| Noninterest expense to average assets | 2.0374% | 4,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6069% | 3,977 |
| Return on assets (ROA) | 0.6206% | 3,968 |
| Pretax return on assets | 0.7747% | 4,320 |
| Return on Equity (ROE) | 4.0882% | 4,476 |
| Retained earnings to average equity (ytd only) | 4.0882% | 2,719 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8943% | 2,082 |
| Assets per employee ($millions) | 4.6992% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 1,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 32.7290% | 5,379 |
| Net loans and leases to deposits | 38.6665% | 5,374 |
| Net loans and leases to core deposits | 42.5261% | 5,331 |
| Total domestic deposits to total assets | 84.6442% | 2,976 |
| Equity capital to assets | 15.2707% | 630 |
| Core capital (leverage) ratio | 11.9304% | 1,642 |
| Tier 1 risk-based capital ratio | 22.3597% | 976 |
| Total risk-based capital ratio | 23.4489% | 968 |
| Memoranda: | ||
| Average total assets | $23,362,800 | 5,566 |
| Average earning assets | $21,365,000 | 5,550 |
| Average equity | $3,546,800 | 5,474 |
| Average total loans | $7,657,400 | 5,581 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9927% | 5,413 |
| Cost of funding earning assets | 0.0877% | 5,600 |
| Net interest margin | 2.9050% | 5,079 |
| Noninterest income to average assets | 0.1372% | 5,321 |
| Noninterest expense to average assets | 2.0231% | 4,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6659% | 4,136 |
| Return on assets (ROA) | 0.6858% | 4,114 |
| Pretax return on assets | 0.7887% | 4,382 |
| Return on Equity (ROE) | 4.5242% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.5242% | 3,206 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5410% | 2,132 |
| Assets per employee ($millions) | 4.4468% | 3,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6098% | 1,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 34.3618% | 5,407 |
| Net loans and leases to deposits | 42.0844% | 5,363 |
| Net loans and leases to core deposits | 46.7250% | 5,292 |
| Total domestic deposits to total assets | 81.6497% | 3,882 |
| Equity capital to assets | 16.2769% | 501 |
| Core capital (leverage) ratio | 11.9858% | 1,695 |
| Tier 1 risk-based capital ratio | 22.2660% | 1,020 |
| Total risk-based capital ratio | 23.3614% | 1,018 |
| Memoranda: | ||
| Average total assets | $23,329,500 | 5,630 |
| Average earning assets | $21,296,000 | 5,618 |
| Average equity | $3,536,500 | 5,539 |
| Average total loans | $7,618,000 | 5,645 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9252% | 5,490 |
| Cost of funding earning assets | 0.0741% | 5,669 |
| Net interest margin | 2.8511% | 5,166 |
| Noninterest income to average assets | 0.1351% | 5,378 |
| Noninterest expense to average assets | 1.9329% | 5,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6884% | 3,896 |
| Return on assets (ROA) | 0.7175% | 3,830 |
| Pretax return on assets | 0.8356% | 4,139 |
| Return on Equity (ROE) | 4.8447% | 4,537 |
| Retained earnings to average equity (ytd only) | 4.8447% | 2,812 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6790% | 2,561 |
| Assets per employee ($millions) | 4.5602% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 1,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 33.5336% | 5,462 |
| Net loans and leases to deposits | 42.0734% | 5,398 |
| Net loans and leases to core deposits | 45.1998% | 5,365 |
| Total domestic deposits to total assets | 79.7026% | 4,479 |
| Equity capital to assets | 15.7186% | 568 |
| Core capital (leverage) ratio | 11.9195% | 1,680 |
| Tier 1 risk-based capital ratio | 21.6939% | 1,085 |
| Total risk-based capital ratio | 22.7765% | 1,092 |
| Memoranda: | ||
| Average total assets | $23,694,670 | 5,668 |
| Average earning assets | $21,605,670 | 5,657 |
| Average equity | $3,509,000 | 5,585 |
| Average total loans | $7,569,000 | 5,697 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8760% | 5,557 |
| Cost of funding earning assets | 0.0546% | 5,776 |
| Net interest margin | 2.8214% | 5,210 |
| Noninterest income to average assets | 0.1657% | 5,282 |
| Noninterest expense to average assets | 2.0380% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5965% | 4,178 |
| Return on assets (ROA) | 0.5965% | 4,225 |
| Pretax return on assets | 0.6959% | 4,465 |
| Return on Equity (ROE) | 4.1481% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.1481% | 3,385 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5455% | 2,134 |
| Assets per employee ($millions) | 4.4672% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 1,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 32.9199% | 5,504 |
| Net loans and leases to deposits | 39.1617% | 5,501 |
| Net loans and leases to core deposits | 41.9716% | 5,469 |
| Total domestic deposits to total assets | 84.0616% | 3,456 |
| Equity capital to assets | 15.6922% | 544 |
| Core capital (leverage) ratio | 11.1232% | 2,257 |
| Tier 1 risk-based capital ratio | 22.3262% | 1,049 |
| Total risk-based capital ratio | 23.4621% | 1,045 |
| Memoranda: | ||
| Average total assets | $24,141,500 | 5,733 |
| Average earning assets | $21,975,000 | 5,717 |
| Average equity | $3,471,500 | 5,648 |
| Average total loans | $7,468,000 | 5,765 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0716% | 5,434 |
| Cost of funding earning assets | 0.0717% | 5,801 |
| Net interest margin | 3.0000% | 4,962 |
| Noninterest income to average assets | -0.1175% | 5,893 |
| Noninterest expense to average assets | 2.4545% | 4,150 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2568% | 5,310 |
| Return on assets (ROA) | 0.2568% | 5,377 |
| Pretax return on assets | 0.1610% | 5,532 |
| Return on Equity (ROE) | 1.6984% | 5,458 |
| Retained earnings to average equity (ytd only) | 1.6984% | 4,565 |
| Net charge-offs to loans | 0.0796% | 2,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.1667% | 3,222 |
| Efficiency ratio | 93.8436% | 384 |
| Assets per employee ($millions) | 5.1894% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 1,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 28.2615% | 5,675 |
| Net loans and leases to deposits | 32.6245% | 5,704 |
| Net loans and leases to core deposits | 34.5554% | 5,697 |
| Total domestic deposits to total assets | 86.6266% | 2,320 |
| Equity capital to assets | 13.2501% | 1,154 |
| Core capital (leverage) ratio | 9.1998% | 4,479 |
| Tier 1 risk-based capital ratio | 20.4323% | 1,298 |
| Total risk-based capital ratio | 21.4877% | 1,310 |
| Memoranda: | ||
| Average total assets | $22,978,000 | 5,805 |
| Average earning assets | $20,933,400 | 5,787 |
| Average equity | $3,473,800 | 5,703 |
| Average total loans | $7,538,800 | 5,821 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1950% | 5,362 |
| Cost of funding earning assets | 0.0787% | 5,848 |
| Net interest margin | 3.1163% | 4,731 |
| Noninterest income to average assets | -0.1979% | 5,966 |
| Noninterest expense to average assets | 2.5964% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1919% | 5,477 |
| Return on assets (ROA) | 0.1919% | 5,542 |
| Pretax return on assets | 0.0540% | 5,709 |
| Return on Equity (ROE) | 1.2252% | 5,619 |
| Retained earnings to average equity (ytd only) | 1.2252% | 5,018 |
| Net charge-offs to loans | 0.1058% | 1,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 3,688 |
| Efficiency ratio | 97.9638% | 260 |
| Assets per employee ($millions) | 4.3658% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 1,300 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 33.8999% | 5,626 |
| Net loans and leases to deposits | 40.5702% | 5,617 |
| Net loans and leases to core deposits | 43.5704% | 5,595 |
| Total domestic deposits to total assets | 83.5586% | 3,374 |
| Equity capital to assets | 16.0704% | 546 |
| Core capital (leverage) ratio | 11.6510% | 1,924 |
| Tier 1 risk-based capital ratio | 22.2543% | 1,101 |
| Total risk-based capital ratio | 23.4167% | 1,099 |
| Memoranda: | ||
| Average total assets | $22,235,750 | 5,877 |
| Average earning assets | $20,322,750 | 5,857 |
| Average equity | $3,482,750 | 5,764 |
| Average total loans | $7,559,000 | 5,886 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2500% | 5,366 |
| Cost of funding earning assets | 0.0783% | 5,934 |
| Net interest margin | 3.1717% | 4,638 |
| Noninterest income to average assets | -0.3576% | 6,044 |
| Noninterest expense to average assets | 2.7178% | 3,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0358% | 5,740 |
| Return on assets (ROA) | 0.0358% | 5,771 |
| Pretax return on assets | -0.1788% | 5,851 |
| Return on Equity (ROE) | 0.2303% | 5,779 |
| Retained earnings to average equity (ytd only) | 0.2303% | 5,235 |
| Net charge-offs to loans | 0.1585% | 1,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -3.3333% | 3,618 |
| Efficiency ratio | 107.0423% | 162 |
| Assets per employee ($millions) | 4.3370% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6995% | 1,274 |
| Loan loss allowance to noncurrent loans | 64.7668% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8900% | 2,376 |
| Noncurrent loans to loans | 2.6241% | 640 |
| Net loans and leases to total assets | 33.3410% | 5,700 |
| Net loans and leases to deposits | 39.9029% | 5,698 |
| Net loans and leases to core deposits | 42.8724% | 5,653 |
| Total domestic deposits to total assets | 83.5555% | 3,441 |
| Equity capital to assets | 16.0941% | 529 |
| Core capital (leverage) ratio | 11.1163% | 2,312 |
| Tier 1 risk-based capital ratio | 22.1629% | 1,119 |
| Total risk-based capital ratio | 23.3343% | 1,112 |
| Memoranda: | ||
| Average total assets | $22,371,330 | 5,949 |
| Average earning assets | $20,431,000 | 5,932 |
| Average equity | $3,474,330 | 5,834 |
| Average total loans | $7,570,330 | 5,963 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2051% | 5,477 |
| Cost of funding earning assets | 0.0579% | 6,031 |
| Net interest margin | 3.1472% | 4,738 |
| Noninterest income to average assets | 0.1585% | 5,541 |
| Noninterest expense to average assets | 2.5887% | 3,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4402% | 4,860 |
| Return on assets (ROA) | 0.4402% | 4,944 |
| Pretax return on assets | 0.4402% | 5,229 |
| Return on Equity (ROE) | 2.8848% | 5,279 |
| Retained earnings to average equity (ytd only) | 2.8848% | 4,073 |
| Net charge-offs to loans | 0.3126% | 697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.1667% | 2,459 |
| Efficiency ratio | 85.4651% | 1,025 |
| Assets per employee ($millions) | 3.7175% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 1,526 |
| Loan loss allowance to noncurrent loans | 64.1026% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 2,505 |
| Noncurrent loans to loans | 2.5460% | 726 |
| Net loans and leases to total assets | 33.7772% | 5,726 |
| Net loans and leases to deposits | 40.5796% | 5,693 |
| Net loans and leases to core deposits | 43.5215% | 5,673 |
| Total domestic deposits to total assets | 83.2369% | 3,811 |
| Equity capital to assets | 15.6871% | 570 |
| Core capital (leverage) ratio | 10.9691% | 2,433 |
| Tier 1 risk-based capital ratio | 21.1244% | 1,303 |
| Total risk-based capital ratio | 22.2311% | 1,293 |
| Memoranda: | ||
| Average total assets | $22,714,500 | 6,003 |
| Average earning assets | $20,717,000 | 5,988 |
| Average equity | $3,466,500 | 5,886 |
| Average total loans | $7,678,000 | 6,018 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2452% | 5,442 |
| Cost of funding earning assets | 0.0721% | 6,061 |
| Net interest margin | 3.1731% | 4,705 |
| Noninterest income to average assets | 0.1695% | 5,565 |
| Noninterest expense to average assets | 2.5815% | 3,985 |
| Loan and lease loss provision to assets | -0.0869% | 5,829 |
| Net operating income to assets | 0.5123% | 4,646 |
| Return on assets (ROA) | 0.5041% | 4,765 |
| Pretax return on assets | 0.5345% | 5,029 |
| Return on Equity (ROE) | 3.4281% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.4281% | 3,615 |
| Net charge-offs to loans | 0.1981% | 1,477 |
| Credit loss provision to net charge-offs | -125.0000% | 5,189 |
| Earnings coverage of net charge-offs (x) | 6.5625% | 3,205 |
| Efficiency ratio | 84.9785% | 1,092 |
| Assets per employee ($millions) | 4.6248% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 1,343 |
| Loan loss allowance to noncurrent loans | 60.6481% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 0.9341% | 2,332 |
| Noncurrent loans to loans | 2.8063% | 607 |
| Net loans and leases to total assets | 32.7193% | 5,816 |
| Net loans and leases to deposits | 38.5175% | 5,822 |
| Net loans and leases to core deposits | 41.1464% | 5,792 |
| Total domestic deposits to total assets | 84.9464% | 3,116 |
| Equity capital to assets | 14.8504% | 695 |
| Core capital (leverage) ratio | 10.7798% | 2,620 |
| Tier 1 risk-based capital ratio | 20.5608% | 1,371 |
| Total risk-based capital ratio | 21.7016% | 1,372 |
| Memoranda: | ||
| Average total assets | $23,010,200 | 6,058 |
| Average earning assets | $20,800,000 | 6,045 |
| Average equity | $3,383,800 | 5,937 |
| Average total loans | $8,077,400 | 6,060 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2424% | 5,520 |
| Cost of funding earning assets | 0.0708% | 6,150 |
| Net interest margin | 3.1716% | 4,770 |
| Noninterest income to average assets | 0.1741% | 5,607 |
| Noninterest expense to average assets | 2.5991% | 3,885 |
| Loan and lease loss provision to assets | -0.1160% | 6,025 |
| Net operating income to assets | 0.5222% | 4,714 |
| Return on assets (ROA) | 0.5222% | 4,798 |
| Pretax return on assets | 0.5512% | 5,093 |
| Return on Equity (ROE) | 3.5595% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.5595% | 3,938 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6597% | 1,025 |
| Assets per employee ($millions) | 4.5594% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9571% | 981 |
| Loan loss allowance to noncurrent loans | 60.2459% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 1.0703% | 2,223 |
| Noncurrent loans to loans | 3.2486% | 511 |
| Net loans and leases to total assets | 32.3025% | 5,912 |
| Net loans and leases to deposits | 38.1851% | 5,919 |
| Net loans and leases to core deposits | 40.8430% | 5,892 |
| Total domestic deposits to total assets | 84.5945% | 3,179 |
| Equity capital to assets | 15.0239% | 732 |
| Core capital (leverage) ratio | 10.7105% | 2,810 |
| Tier 1 risk-based capital ratio | 21.3535% | 1,283 |
| Total risk-based capital ratio | 22.6063% | 1,266 |
| Memoranda: | ||
| Average total assets | $22,981,750 | 6,145 |
| Average earning assets | $20,725,000 | 6,132 |
| Average equity | $3,371,250 | 6,018 |
| Average total loans | $8,172,500 | 6,140 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2498% | 5,535 |
| Cost of funding earning assets | 0.0675% | 6,232 |
| Net interest margin | 3.1823% | 4,710 |
| Noninterest income to average assets | 0.1736% | 5,659 |
| Noninterest expense to average assets | 2.5864% | 3,950 |
| Loan and lease loss provision to assets | -0.1736% | 6,162 |
| Net operating income to assets | 0.5902% | 4,394 |
| Return on assets (ROA) | 0.5902% | 4,487 |
| Pretax return on assets | 0.6249% | 4,912 |
| Return on Equity (ROE) | 4.0557% | 4,998 |
| Retained earnings to average equity (ytd only) | 4.0557% | 3,437 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1429% | 1,138 |
| Assets per employee ($millions) | 4.5892% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7866% | 1,398 |
| Loan loss allowance to noncurrent loans | 52.1277% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 1.2290% | 2,053 |
| Noncurrent loans to loans | 3.4273% | 525 |
| Net loans and leases to total assets | 35.2175% | 5,854 |
| Net loans and leases to deposits | 41.4474% | 5,859 |
| Net loans and leases to core deposits | 44.2964% | 5,826 |
| Total domestic deposits to total assets | 84.9691% | 3,137 |
| Equity capital to assets | 14.7607% | 754 |
| Core capital (leverage) ratio | 10.6413% | 2,804 |
| Tier 1 risk-based capital ratio | 20.1656% | 1,514 |
| Total risk-based capital ratio | 21.4124% | 1,487 |
| Memoranda: | ||
| Average total assets | $23,043,330 | 6,216 |
| Average earning assets | $20,740,000 | 6,202 |
| Average equity | $3,353,330 | 6,083 |
| Average total loans | $8,393,000 | 6,207 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2559% | 5,543 |
| Cost of funding earning assets | 0.0578% | 6,330 |
| Net interest margin | 3.1982% | 4,621 |
| Noninterest income to average assets | 0.2079% | 5,467 |
| Noninterest expense to average assets | 2.5983% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4331% | 4,935 |
| Return on assets (ROA) | 0.4331% | 5,056 |
| Pretax return on assets | 0.4850% | 5,220 |
| Return on Equity (ROE) | 2.9972% | 5,378 |
| Retained earnings to average equity (ytd only) | 2.9972% | 4,180 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2697% | 1,348 |
| Assets per employee ($millions) | 4.6656% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9686% | 1,143 |
| Loan loss allowance to noncurrent loans | 57.9861% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 1.2346% | 2,166 |
| Noncurrent loans to loans | 3.3950% | 582 |
| Net loans and leases to total assets | 35.6481% | 5,842 |
| Net loans and leases to deposits | 41.7743% | 5,844 |
| Net loans and leases to core deposits | 44.5826% | 5,823 |
| Total domestic deposits to total assets | 85.3352% | 3,251 |
| Equity capital to assets | 14.4247% | 851 |
| Core capital (leverage) ratio | 10.2156% | 3,324 |
| Tier 1 risk-based capital ratio | 19.4583% | 1,743 |
| Total risk-based capital ratio | 20.7098% | 1,705 |
| Memoranda: | ||
| Average total assets | $23,092,000 | 6,282 |
| Average earning assets | $20,762,000 | 6,270 |
| Average equity | $3,336,500 | 6,144 |
| Average total loans | $8,475,500 | 6,271 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1189% | 5,929 |
| Cost of funding earning assets | 0.0723% | 6,393 |
| Net interest margin | 3.0466% | 5,328 |
| Noninterest income to average assets | 0.1889% | 5,725 |
| Noninterest expense to average assets | 2.5342% | 4,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4559% | 4,990 |
| Return on assets (ROA) | 0.4559% | 5,087 |
| Pretax return on assets | 0.4230% | 5,434 |
| Return on Equity (ROE) | 3.4299% | 5,318 |
| Retained earnings to average equity (ytd only) | 3.4299% | 3,774 |
| Net charge-offs to loans | -0.0366% | 5,839 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6944% | 1,203 |
| Assets per employee ($millions) | 4.5712% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9721% | 1,158 |
| Loan loss allowance to noncurrent loans | 56.6102% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 1.2907% | 2,187 |
| Noncurrent loans to loans | 3.4837% | 590 |
| Net loans and leases to total assets | 36.3187% | 5,938 |
| Net loans and leases to deposits | 42.5649% | 5,945 |
| Net loans and leases to core deposits | 45.4874% | 5,916 |
| Total domestic deposits to total assets | 85.3255% | 3,150 |
| Equity capital to assets | 14.4732% | 820 |
| Core capital (leverage) ratio | 10.4825% | 2,966 |
| Tier 1 risk-based capital ratio | 19.5531% | 1,705 |
| Total risk-based capital ratio | 20.8013% | 1,670 |
| Memoranda: | ||
| Average total assets | $24,347,400 | 6,345 |
| Average earning assets | $22,123,000 | 6,327 |
| Average equity | $3,236,200 | 6,224 |
| Average total loans | $8,190,200 | 6,363 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0965% | 6,035 |
| Cost of funding earning assets | 0.0771% | 6,461 |
| Net interest margin | 3.0194% | 5,463 |
| Noninterest income to average assets | 0.1888% | 5,785 |
| Noninterest expense to average assets | 2.4864% | 4,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4369% | 5,119 |
| Return on assets (ROA) | 0.4369% | 5,197 |
| Pretax return on assets | 0.4477% | 5,473 |
| Return on Equity (ROE) | 3.3559% | 5,402 |
| Retained earnings to average equity (ytd only) | 3.3559% | 4,226 |
| Net charge-offs to loans | -0.0493% | 5,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7426% | 1,312 |
| Assets per employee ($millions) | 4.5396% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0699% | 1,131 |
| Loan loss allowance to noncurrent loans | 55.8528% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 1.3173% | 2,344 |
| Noncurrent loans to loans | 3.7060% | 613 |
| Net loans and leases to total assets | 34.8092% | 6,080 |
| Net loans and leases to deposits | 40.8236% | 6,090 |
| Net loans and leases to core deposits | 43.6495% | 6,054 |
| Total domestic deposits to total assets | 85.2674% | 3,236 |
| Equity capital to assets | 14.4418% | 864 |
| Core capital (leverage) ratio | 10.2314% | 3,368 |
| Tier 1 risk-based capital ratio | 20.1899% | 1,624 |
| Total risk-based capital ratio | 21.4410% | 1,585 |
| Memoranda: | ||
| Average total assets | $24,720,250 | 6,420 |
| Average earning assets | $22,476,500 | 6,400 |
| Average equity | $3,218,250 | 6,300 |
| Average total loans | $8,120,750 | 6,438 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0361% | 6,141 |
| Cost of funding earning assets | 0.0778% | 6,527 |
| Net interest margin | 2.9583% | 5,615 |
| Noninterest income to average assets | 0.1890% | 5,827 |
| Noninterest expense to average assets | 2.4336% | 4,788 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4489% | 5,019 |
| Return on assets (ROA) | 0.4489% | 5,097 |
| Pretax return on assets | 0.4489% | 5,424 |
| Return on Equity (ROE) | 3.5644% | 5,316 |
| Retained earnings to average equity (ytd only) | 3.5644% | 3,925 |
| Net charge-offs to loans | -0.0737% | 6,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4262% | 1,452 |
| Assets per employee ($millions) | 4.6536% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0060% | 1,348 |
| Loan loss allowance to noncurrent loans | 54.3974% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 1.3194% | 2,474 |
| Noncurrent loans to loans | 3.6877% | 692 |
| Net loans and leases to total assets | 35.0610% | 6,103 |
| Net loans and leases to deposits | 40.8636% | 6,115 |
| Net loans and leases to core deposits | 43.6000% | 6,083 |
| Total domestic deposits to total assets | 85.8002% | 3,152 |
| Equity capital to assets | 13.9505% | 987 |
| Core capital (leverage) ratio | 9.7281% | 4,000 |
| Tier 1 risk-based capital ratio | 18.9742% | 1,930 |
| Total risk-based capital ratio | 20.2305% | 1,890 |
| Memoranda: | ||
| Average total assets | $25,394,330 | 6,475 |
| Average earning assets | $23,121,670 | 6,455 |
| Average equity | $3,198,330 | 6,349 |
| Average total loans | $8,138,330 | 6,500 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9192% | 6,312 |
| Cost of funding earning assets | 0.0663% | 6,633 |
| Net interest margin | 2.8528% | 5,842 |
| Noninterest income to average assets | 0.1663% | 5,982 |
| Noninterest expense to average assets | 2.5097% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3628% | 5,264 |
| Return on assets (ROA) | 0.3628% | 5,330 |
| Pretax return on assets | 0.2570% | 5,813 |
| Return on Equity (ROE) | 3.0241% | 5,450 |
| Retained earnings to average equity (ytd only) | 3.0241% | 4,299 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7104% | 971 |
| Assets per employee ($millions) | 4.7944% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0315% | 1,455 |
| Loan loss allowance to noncurrent loans | 51.8987% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 1.3182% | 2,676 |
| Noncurrent loans to loans | 3.9143% | 693 |
| Net loans and leases to total assets | 32.9927% | 6,228 |
| Net loans and leases to deposits | 38.8362% | 6,211 |
| Net loans and leases to core deposits | 41.3824% | 6,184 |
| Total domestic deposits to total assets | 84.9533% | 3,892 |
| Equity capital to assets | 13.3656% | 1,149 |
| Core capital (leverage) ratio | 9.0856% | 4,887 |
| Tier 1 risk-based capital ratio | 18.4555% | 2,137 |
| Total risk-based capital ratio | 19.7041% | 2,100 |
| Memoranda: | ||
| Average total assets | $26,457,500 | 6,527 |
| Average earning assets | $24,116,500 | 6,495 |
| Average equity | $3,174,500 | 6,410 |
| Average total loans | $8,045,000 | 6,574 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0928% | 6,249 |
| Cost of funding earning assets | 0.1244% | 6,624 |
| Net interest margin | 2.9683% | 5,650 |
| Noninterest income to average assets | 0.2500% | 5,558 |
| Noninterest expense to average assets | 2.5164% | 4,718 |
| Loan and lease loss provision to assets | -0.2291% | 6,624 |
| Net operating income to assets | 0.5340% | 4,580 |
| Return on assets (ROA) | 0.5374% | 4,695 |
| Pretax return on assets | 0.6499% | 4,702 |
| Return on Equity (ROE) | 4.1070% | 5,059 |
| Retained earnings to average equity (ytd only) | 4.1070% | 3,256 |
| Net charge-offs to loans | 0.0806% | 4,090 |
| Credit loss provision to net charge-offs | -916.6667% | 6,213 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,784 |
| Efficiency ratio | 85.7955% | 1,432 |
| Assets per employee ($millions) | 5.7886% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0457% | 1,450 |
| Loan loss allowance to noncurrent loans | 59.4203% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 0.9536% | 3,513 |
| Noncurrent loans to loans | 3.4427% | 924 |
| Net loans and leases to total assets | 27.1326% | 6,546 |
| Net loans and leases to deposits | 31.0187% | 6,562 |
| Net loans and leases to core deposits | 32.6325% | 6,550 |
| Total domestic deposits to total assets | 87.4719% | 2,484 |
| Equity capital to assets | 10.8662% | 2,744 |
| Core capital (leverage) ratio | 8.9363% | 5,098 |
| Tier 1 risk-based capital ratio | 16.8005% | 2,710 |
| Total risk-based capital ratio | 18.0523% | 2,662 |
| Memoranda: | ||
| Average total assets | $24,002,600 | 6,640 |
| Average earning assets | $21,695,800 | 6,623 |
| Average equity | $3,141,000 | 6,510 |
| Average total loans | $7,443,000 | 6,669 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2559% | 6,124 |
| Cost of funding earning assets | 0.1430% | 6,664 |
| Net interest margin | 3.1130% | 5,284 |
| Noninterest income to average assets | 0.2694% | 5,526 |
| Noninterest expense to average assets | 2.5767% | 4,472 |
| Loan and lease loss provision to assets | -0.3221% | 6,780 |
| Net operating income to assets | 0.6617% | 4,057 |
| Return on assets (ROA) | 0.6617% | 4,194 |
| Pretax return on assets | 0.8199% | 4,223 |
| Return on Equity (ROE) | 4.7981% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.7981% | 3,236 |
| Net charge-offs to loans | 0.2010% | 2,630 |
| Credit loss provision to net charge-offs | -500.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | 7.7253% | 2,748 |
| Efficiency ratio | 83.8095% | 1,626 |
| Assets per employee ($millions) | 3.8985% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1299% | 1,448 |
| Loan loss allowance to noncurrent loans | 57.1942% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 1.1885% | 3,280 |
| Noncurrent loans to loans | 3.7240% | 993 |
| Net loans and leases to total assets | 31.2342% | 6,484 |
| Net loans and leases to deposits | 38.0303% | 6,445 |
| Net loans and leases to core deposits | 40.6816% | 6,429 |
| Total domestic deposits to total assets | 82.1299% | 4,876 |
| Equity capital to assets | 13.4710% | 1,128 |
| Core capital (leverage) ratio | 9.7098% | 4,090 |
| Tier 1 risk-based capital ratio | 19.1657% | 1,932 |
| Total risk-based capital ratio | 20.4144% | 1,907 |
| Memoranda: | ||
| Average total assets | $22,767,500 | 6,738 |
| Average earning assets | $20,515,750 | 6,720 |
| Average equity | $3,140,000 | 6,583 |
| Average total loans | $7,299,500 | 6,750 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2293% | 6,192 |
| Cost of funding earning assets | 0.1669% | 6,635 |
| Net interest margin | 3.0625% | 5,388 |
| Noninterest income to average assets | 0.2571% | 5,612 |
| Noninterest expense to average assets | 2.5266% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4610% | 4,969 |
| Return on assets (ROA) | 0.4610% | 5,138 |
| Pretax return on assets | 0.4965% | 5,392 |
| Return on Equity (ROE) | 3.3160% | 5,499 |
| Retained earnings to average equity (ytd only) | 3.3160% | 4,202 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5777% | 1,685 |
| Assets per employee ($millions) | 3.8463% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2332% | 473 |
| Loan loss allowance to noncurrent loans | 70.9779% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.3736% | 3,043 |
| Noncurrent loans to loans | 4.5553% | 762 |
| Net loans and leases to total assets | 29.1793% | 6,605 |
| Net loans and leases to deposits | 34.3169% | 6,597 |
| Net loans and leases to core deposits | 36.6536% | 6,579 |
| Total domestic deposits to total assets | 85.0290% | 3,874 |
| Equity capital to assets | 13.4977% | 1,136 |
| Core capital (leverage) ratio | 9.0909% | 4,838 |
| Tier 1 risk-based capital ratio | 19.5367% | 1,847 |
| Total risk-based capital ratio | 20.7898% | 1,821 |
| Memoranda: | ||
| Average total assets | $22,559,670 | 6,788 |
| Average earning assets | $20,375,670 | 6,775 |
| Average equity | $3,136,330 | 6,629 |
| Average total loans | $7,244,330 | 6,798 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2259% | 6,268 |
| Cost of funding earning assets | 0.1593% | 6,770 |
| Net interest margin | 3.0666% | 5,381 |
| Noninterest income to average assets | 0.2691% | 5,532 |
| Noninterest expense to average assets | 2.6726% | 4,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3229% | 5,483 |
| Return on assets (ROA) | 0.3229% | 5,616 |
| Pretax return on assets | 0.3587% | 5,688 |
| Return on Equity (ROE) | 2.2879% | 5,848 |
| Retained earnings to average equity (ytd only) | 2.2879% | 4,877 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1657% | 1,311 |
| Assets per employee ($millions) | 3.9333% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0818% | 605 |
| Loan loss allowance to noncurrent loans | 661.7647% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 6,143 |
| Noncurrent loans to loans | 0.4657% | 5,258 |
| Net loans and leases to total assets | 29.9831% | 6,609 |
| Net loans and leases to deposits | 34.8383% | 6,607 |
| Net loans and leases to core deposits | 37.1249% | 6,592 |
| Total domestic deposits to total assets | 86.0636% | 3,500 |
| Equity capital to assets | 13.3644% | 1,263 |
| Core capital (leverage) ratio | 9.1336% | 4,667 |
| Tier 1 risk-based capital ratio | 18.4345% | 2,214 |
| Total risk-based capital ratio | 19.6920% | 2,185 |
| Memoranda: | ||
| Average total assets | $22,300,500 | 6,869 |
| Average earning assets | $20,087,500 | 6,849 |
| Average equity | $3,147,000 | 6,689 |
| Average total loans | $7,387,000 | 6,866 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8874% | 5,611 |
| Cost of funding earning assets | 0.2605% | 6,628 |
| Net interest margin | 3.6269% | 3,980 |
| Noninterest income to average assets | 1.2424% | 1,010 |
| Noninterest expense to average assets | 4.1181% | 842 |
| Loan and lease loss provision to assets | 0.0782% | 4,730 |
| Net operating income to assets | 0.2192% | 5,736 |
| Return on assets (ROA) | 0.4648% | 5,071 |
| Pretax return on assets | 0.5343% | 5,184 |
| Return on Equity (ROE) | 3.4301% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.4301% | 3,810 |
| Net charge-offs to loans | 0.0796% | 4,876 |
| Credit loss provision to net charge-offs | 225.0000% | 1,108 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 2,262 |
| Efficiency ratio | 92.5781% | 886 |
| Assets per employee ($millions) | 3.5002% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0108% | 654 |
| Loan loss allowance to noncurrent loans | 642.8571% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 6,144 |
| Noncurrent loans to loans | 0.4684% | 5,354 |
| Net loans and leases to total assets | 34.5126% | 6,517 |
| Net loans and leases to deposits | 41.2568% | 6,487 |
| Net loans and leases to core deposits | 44.4199% | 6,444 |
| Total domestic deposits to total assets | 83.6532% | 4,472 |
| Equity capital to assets | 14.9517% | 748 |
| Core capital (leverage) ratio | 10.1447% | 3,210 |
| Tier 1 risk-based capital ratio | 19.1866% | 1,908 |
| Total risk-based capital ratio | 20.4498% | 1,878 |
| Memoranda: | ||
| Average total assets | $23,020,600 | 6,909 |
| Average earning assets | $20,347,800 | 6,899 |
| Average equity | $3,119,400 | 6,758 |
| Average total loans | $10,046,400 | 6,846 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 5,423 |
| Cost of funding earning assets | 0.2827% | 6,685 |
| Net interest margin | 3.7522% | 3,538 |
| Noninterest income to average assets | 1.4169% | 748 |
| Noninterest expense to average assets | 4.4660% | 562 |
| Loan and lease loss provision to assets | 0.1020% | 4,302 |
| Net operating income to assets | 0.0930% | 6,138 |
| Return on assets (ROA) | 0.3287% | 5,718 |
| Pretax return on assets | 0.5271% | 5,388 |
| Return on Equity (ROE) | 2.4831% | 5,885 |
| Retained earnings to average equity (ytd only) | 2.4831% | 5,089 |
| Net charge-offs to loans | 0.0998% | 4,387 |
| Credit loss provision to net charge-offs | 225.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 5.7479% | 2,937 |
| Efficiency ratio | 94.4844% | 746 |
| Assets per employee ($millions) | 3.4973% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0542% | 677 |
| Loan loss allowance to noncurrent loans | 187.5000% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.5719% | 5,235 |
| Noncurrent loans to loans | 1.6289% | 3,353 |
| Net loans and leases to total assets | 34.0355% | 6,653 |
| Net loans and leases to deposits | 40.2480% | 6,667 |
| Net loans and leases to core deposits | 43.2980% | 6,622 |
| Total domestic deposits to total assets | 84.5644% | 3,947 |
| Equity capital to assets | 14.8303% | 862 |
| Core capital (leverage) ratio | 9.7320% | 3,900 |
| Tier 1 risk-based capital ratio | 19.1656% | 1,958 |
| Total risk-based capital ratio | 20.4289% | 1,930 |
| Memoranda: | ||
| Average total assets | $23,525,500 | 6,992 |
| Average earning assets | $20,751,750 | 6,977 |
| Average equity | $3,114,250 | 6,843 |
| Average total loans | $10,689,750 | 6,914 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3122% | 4,517 |
| Cost of funding earning assets | 0.2993% | 6,745 |
| Net interest margin | 4.0128% | 2,447 |
| Noninterest income to average assets | 0.5990% | 3,263 |
| Noninterest expense to average assets | 3.6270% | 1,522 |
| Loan and lease loss provision to assets | 0.1477% | 3,668 |
| Net operating income to assets | 0.2449% | 5,779 |
| Return on assets (ROA) | 0.6236% | 4,505 |
| Pretax return on assets | 0.8780% | 4,162 |
| Return on Equity (ROE) | 4.8796% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.8796% | 3,345 |
| Net charge-offs to loans | 0.1695% | 3,584 |
| Credit loss provision to net charge-offs | 180.0000% | 1,567 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,717 |
| Efficiency ratio | 88.0478% | 1,232 |
| Assets per employee ($millions) | 2.4498% | 6,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9122% | 2,514 |
| Loan loss allowance to noncurrent loans | 543.9024% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 6,202 |
| Noncurrent loans to loans | 0.3516% | 5,844 |
| Net loans and leases to total assets | 46.6936% | 5,761 |
| Net loans and leases to deposits | 53.9321% | 5,873 |
| Net loans and leases to core deposits | 58.2493% | 5,757 |
| Total domestic deposits to total assets | 86.5785% | 3,025 |
| Equity capital to assets | 12.8133% | 1,613 |
| Core capital (leverage) ratio | 8.6735% | 5,412 |
| Tier 1 risk-based capital ratio | 14.1526% | 4,339 |
| Total risk-based capital ratio | 15.4072% | 4,302 |
| Memoranda: | ||
| Average total assets | $24,372,670 | 7,032 |
| Average earning assets | $21,381,330 | 7,021 |
| Average equity | $3,115,000 | 6,880 |
| Average total loans | $11,797,330 | 6,937 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3277% | 4,624 |
| Cost of funding earning assets | 0.3372% | 6,693 |
| Net interest margin | 3.9904% | 2,550 |
| Noninterest income to average assets | 0.4936% | 3,953 |
| Noninterest expense to average assets | 3.7186% | 1,350 |
| Loan and lease loss provision to assets | 0.1645% | 3,334 |
| Net operating income to assets | 0.2139% | 5,944 |
| Return on assets (ROA) | 0.2139% | 6,089 |
| Pretax return on assets | 0.1152% | 6,360 |
| Return on Equity (ROE) | 1.6758% | 6,166 |
| Retained earnings to average equity (ytd only) | 1.6758% | 5,393 |
| Net charge-offs to loans | 0.1011% | 3,528 |
| Credit loss provision to net charge-offs | 333.3333% | 895 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,318 |
| Efficiency ratio | 93.0041% | 884 |
| Assets per employee ($millions) | 2.4465% | 6,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8894% | 2,711 |
| Loan loss allowance to noncurrent loans | 370.0000% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 6,273 |
| Noncurrent loans to loans | 0.5106% | 5,647 |
| Net loans and leases to total assets | 47.1204% | 5,669 |
| Net loans and leases to deposits | 54.4853% | 5,760 |
| Net loans and leases to core deposits | 58.8554% | 5,640 |
| Total domestic deposits to total assets | 86.4827% | 3,254 |
| Equity capital to assets | 12.7202% | 1,588 |
| Core capital (leverage) ratio | 8.2900% | 5,888 |
| Tier 1 risk-based capital ratio | 13.6144% | 4,740 |
| Total risk-based capital ratio | 14.8676% | 4,723 |
| Memoranda: | ||
| Average total assets | $24,310,000 | 7,093 |
| Average earning assets | $21,351,000 | 7,085 |
| Average equity | $3,103,000 | 6,935 |
| Average total loans | $11,865,000 | 6,990 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 5,463 |
| Cost of funding earning assets | 0.3841% | 6,930 |
| Net interest margin | 4.0068% | 2,846 |
| Noninterest income to average assets | 0.5008% | 3,833 |
| Noninterest expense to average assets | 3.8213% | 1,305 |
| Loan and lease loss provision to assets | 0.0986% | 5,356 |
| Net operating income to assets | 0.1893% | 5,622 |
| Return on assets (ROA) | 0.1893% | 5,750 |
| Pretax return on assets | 0.1183% | 5,938 |
| Return on Equity (ROE) | 1.5832% | 5,817 |
| Retained earnings to average equity (ytd only) | 1.5832% | 5,082 |
| Net charge-offs to loans | -0.0252% | 6,984 |
| Credit loss provision to net charge-offs | -833.3333% | 6,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6289% | 885 |
| Assets per employee ($millions) | 2.4155% | 6,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7947% | 2,886 |
| Loan loss allowance to noncurrent loans | 330.7692% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 6,142 |
| Noncurrent loans to loans | 0.5426% | 5,629 |
| Net loans and leases to total assets | 48.7063% | 5,749 |
| Net loans and leases to deposits | 56.1978% | 5,874 |
| Net loans and leases to core deposits | 60.7508% | 5,774 |
| Total domestic deposits to total assets | 86.6694% | 2,936 |
| Equity capital to assets | 12.8089% | 1,592 |
| Core capital (leverage) ratio | 8.2137% | 5,968 |
| Tier 1 risk-based capital ratio | 13.3940% | 4,778 |
| Total risk-based capital ratio | 14.6495% | 4,740 |
| Memoranda: | ||
| Average total assets | $25,358,000 | 7,092 |
| Average earning assets | $22,387,200 | 7,097 |
| Average equity | $3,031,800 | 7,004 |
| Average total loans | $11,894,200 | 7,036 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 5,702 |
| Cost of funding earning assets | 0.3942% | 7,031 |
| Net interest margin | 3.9772% | 3,019 |
| Noninterest income to average assets | 0.4936% | 3,921 |
| Noninterest expense to average assets | 3.7413% | 1,410 |
| Loan and lease loss provision to assets | 0.1091% | 5,075 |
| Net operating income to assets | 0.2078% | 5,682 |
| Return on assets (ROA) | 0.2078% | 5,812 |
| Pretax return on assets | 0.1559% | 5,989 |
| Return on Equity (ROE) | 1.7681% | 5,849 |
| Retained earnings to average equity (ytd only) | 1.7681% | 5,257 |
| Net charge-offs to loans | -0.0112% | 6,795 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3852% | 949 |
| Assets per employee ($millions) | 2.4076% | 6,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8013% | 2,944 |
| Loan loss allowance to noncurrent loans | 509.7561% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 6,455 |
| Noncurrent loans to loans | 0.3534% | 6,144 |
| Net loans and leases to total assets | 47.3251% | 6,024 |
| Net loans and leases to deposits | 54.6842% | 6,147 |
| Net loans and leases to core deposits | 59.1312% | 6,045 |
| Total domestic deposits to total assets | 86.5426% | 2,911 |
| Equity capital to assets | 12.8676% | 1,676 |
| Core capital (leverage) ratio | 8.0229% | 6,373 |
| Tier 1 risk-based capital ratio | 13.5821% | 4,671 |
| Total risk-based capital ratio | 14.8332% | 4,641 |
| Memoranda: | ||
| Average total assets | $25,658,750 | 7,154 |
| Average earning assets | $22,662,000 | 7,159 |
| Average equity | $3,016,250 | 7,067 |
| Average total loans | $11,872,750 | 7,106 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 5,903 |
| Cost of funding earning assets | 0.4063% | 7,110 |
| Net interest margin | 3.9247% | 3,191 |
| Noninterest income to average assets | 0.4888% | 3,957 |
| Noninterest expense to average assets | 3.6126% | 1,711 |
| Loan and lease loss provision to assets | 0.1146% | 4,857 |
| Net operating income to assets | 0.2444% | 5,580 |
| Return on assets (ROA) | 0.2444% | 5,705 |
| Pretax return on assets | 0.2291% | 5,859 |
| Return on Equity (ROE) | 2.1412% | 5,745 |
| Retained earnings to average equity (ytd only) | 2.1412% | 4,920 |
| Net charge-offs to loans | -0.0167% | 6,789 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3127% | 1,148 |
| Assets per employee ($millions) | 2.5271% | 6,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6674% | 3,430 |
| Loan loss allowance to noncurrent loans | 483.3333% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 6,545 |
| Noncurrent loans to loans | 0.3450% | 6,225 |
| Net loans and leases to total assets | 47.3745% | 6,112 |
| Net loans and leases to deposits | 54.8797% | 6,239 |
| Net loans and leases to core deposits | 59.1181% | 6,181 |
| Total domestic deposits to total assets | 86.3242% | 3,143 |
| Equity capital to assets | 12.1562% | 1,995 |
| Core capital (leverage) ratio | 7.5903% | 6,681 |
| Tier 1 risk-based capital ratio | 12.7965% | 5,098 |
| Total risk-based capital ratio | 14.0469% | 5,065 |
| Memoranda: | ||
| Average total assets | $26,186,330 | 7,205 |
| Average earning assets | $23,135,330 | 7,209 |
| Average equity | $2,989,000 | 7,132 |
| Average total loans | $11,962,670 | 7,171 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 6,223 |
| Cost of funding earning assets | 0.4241% | 7,174 |
| Net interest margin | 3.7997% | 3,619 |
| Noninterest income to average assets | 0.5104% | 3,795 |
| Noninterest expense to average assets | 3.5880% | 1,793 |
| Loan and lease loss provision to assets | 0.1201% | 4,513 |
| Net operating income to assets | 0.1952% | 5,797 |
| Return on assets (ROA) | 0.1952% | 5,856 |
| Pretax return on assets | 0.1651% | 6,016 |
| Return on Equity (ROE) | 1.7642% | 5,882 |
| Retained earnings to average equity (ytd only) | 1.7642% | 5,063 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6357% | 1,122 |
| Assets per employee ($millions) | 2.6169% | 6,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 3,591 |
| Loan loss allowance to noncurrent loans | 443.1818% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 6,078 |
| Noncurrent loans to loans | 0.3684% | 6,262 |
| Net loans and leases to total assets | 44.9005% | 6,391 |
| Net loans and leases to deposits | 50.8218% | 6,565 |
| Net loans and leases to core deposits | 54.5067% | 6,524 |
| Total domestic deposits to total assets | 88.3488% | 2,169 |
| Equity capital to assets | 11.3264% | 2,395 |
| Core capital (leverage) ratio | 7.2827% | 6,872 |
| Tier 1 risk-based capital ratio | 12.5126% | 5,251 |
| Total risk-based capital ratio | 13.7612% | 5,234 |
| Memoranda: | ||
| Average total assets | $26,644,000 | 7,243 |
| Average earning assets | $23,581,000 | 7,243 |
| Average equity | $2,947,500 | 7,184 |
| Average total loans | $11,856,500 | 7,232 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7020% | 5,793 |
| Cost of funding earning assets | 0.6481% | 7,010 |
| Net interest margin | 4.0540% | 2,788 |
| Noninterest income to average assets | 0.5501% | 3,826 |
| Noninterest expense to average assets | 4.3969% | 725 |
| Loan and lease loss provision to assets | 0.1439% | 5,746 |
| Net operating income to assets | -0.1016% | 5,993 |
| Return on assets (ROA) | -0.1016% | 6,054 |
| Pretax return on assets | -0.4697% | 6,300 |
| Return on Equity (ROE) | -0.8329% | 6,052 |
| Retained earnings to average equity (ytd only) | -0.8329% | 5,776 |
| Net charge-offs to loans | 0.0374% | 6,427 |
| Credit loss provision to net charge-offs | 850.0000% | 253 |
| Earnings coverage of net charge-offs (x) | -19.2500% | 6,818 |
| Efficiency ratio | 108.0042% | 578 |
| Assets per employee ($millions) | 2.7119% | 6,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5891% | 3,618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 42.7044% | 6,811 |
| Net loans and leases to deposits | 50.6384% | 6,822 |
| Net loans and leases to core deposits | 53.5711% | 6,833 |
| Total domestic deposits to total assets | 84.3320% | 4,209 |
| Equity capital to assets | 10.8079% | 2,851 |
| Core capital (leverage) ratio | 7.2769% | 6,857 |
| Tier 1 risk-based capital ratio | 12.1999% | 5,294 |
| Total risk-based capital ratio | 13.4331% | 5,281 |
| Memoranda: | ||
| Average total assets | $23,630,200 | 7,381 |
| Average earning assets | $20,523,000 | 7,393 |
| Average equity | $2,881,600 | 7,306 |
| Average total loans | $10,693,200 | 7,363 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 5,375 |
| Cost of funding earning assets | 0.6938% | 7,076 |
| Net interest margin | 4.1831% | 2,279 |
| Noninterest income to average assets | 0.5038% | 4,153 |
| Noninterest expense to average assets | 4.5521% | 560 |
| Loan and lease loss provision to assets | 0.1582% | 5,462 |
| Net operating income to assets | -0.1465% | 6,242 |
| Return on assets (ROA) | -0.1465% | 6,324 |
| Pretax return on assets | -0.6034% | 6,615 |
| Return on Equity (ROE) | -1.1616% | 6,298 |
| Retained earnings to average equity (ytd only) | -1.1616% | 6,039 |
| Net charge-offs to loans | 0.0511% | 6,012 |
| Credit loss provision to net charge-offs | 675.0000% | 436 |
| Earnings coverage of net charge-offs (x) | -19.0113% | 6,644 |
| Efficiency ratio | 110.8417% | 509 |
| Assets per employee ($millions) | 2.2606% | 7,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 3,379 |
| Loan loss allowance to noncurrent loans | 382.9787% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 6,611 |
| Noncurrent loans to loans | 0.4277% | 6,348 |
| Net loans and leases to total assets | 43.4713% | 6,877 |
| Net loans and leases to deposits | 52.7446% | 6,849 |
| Net loans and leases to core deposits | 57.2109% | 6,782 |
| Total domestic deposits to total assets | 82.4185% | 4,832 |
| Equity capital to assets | 12.0762% | 2,108 |
| Core capital (leverage) ratio | 8.1343% | 6,143 |
| Tier 1 risk-based capital ratio | 13.5756% | 4,139 |
| Total risk-based capital ratio | 14.8238% | 4,089 |
| Memoranda: | ||
| Average total assets | $22,758,000 | 7,497 |
| Average earning assets | $19,602,000 | 7,507 |
| Average equity | $2,869,250 | 7,408 |
| Average total loans | $10,424,500 | 7,470 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0214% | 4,842 |
| Cost of funding earning assets | 0.7158% | 7,162 |
| Net interest margin | 4.3056% | 1,753 |
| Noninterest income to average assets | 0.4806% | 4,282 |
| Noninterest expense to average assets | 4.6520% | 495 |
| Loan and lease loss provision to assets | 0.1723% | 5,140 |
| Net operating income to assets | -0.1723% | 6,319 |
| Return on assets (ROA) | -0.1723% | 6,377 |
| Pretax return on assets | -0.6348% | 6,687 |
| Return on Equity (ROE) | -1.3453% | 6,359 |
| Retained earnings to average equity (ytd only) | -1.3453% | 6,037 |
| Net charge-offs to loans | 0.0977% | 5,168 |
| Credit loss provision to net charge-offs | 380.0000% | 947 |
| Earnings coverage of net charge-offs (x) | -10.2000% | 6,325 |
| Efficiency ratio | 111.0390% | 529 |
| Assets per employee ($millions) | 2.1926% | 7,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5950% | 3,470 |
| Loan loss allowance to noncurrent loans | 363.8298% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.3690% | 6,505 |
| Noncurrent loans to loans | 0.4384% | 6,366 |
| Net loans and leases to total assets | 43.7414% | 6,943 |
| Net loans and leases to deposits | 53.3367% | 6,902 |
| Net loans and leases to core deposits | 56.4775% | 6,912 |
| Total domestic deposits to total assets | 82.0100% | 4,985 |
| Equity capital to assets | 12.3678% | 1,888 |
| Core capital (leverage) ratio | 8.4808% | 5,443 |
| Tier 1 risk-based capital ratio | 14.0021% | 3,733 |
| Total risk-based capital ratio | 15.2551% | 3,693 |
| Memoranda: | ||
| Average total assets | $22,055,000 | 7,580 |
| Average earning assets | $18,998,670 | 7,584 |
| Average equity | $2,824,670 | 7,468 |
| Average total loans | $10,236,000 | 7,541 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 4,491 |
| Cost of funding earning assets | 0.7519% | 7,227 |
| Net interest margin | 4.3568% | 1,517 |
| Noninterest income to average assets | 0.3996% | 4,922 |
| Noninterest expense to average assets | 4.8709% | 406 |
| Loan and lease loss provision to assets | 0.1903% | 4,596 |
| Net operating income to assets | -0.3235% | 6,688 |
| Return on assets (ROA) | -0.3235% | 6,739 |
| Pretax return on assets | -0.9133% | 7,012 |
| Return on Equity (ROE) | -2.4768% | 6,691 |
| Retained earnings to average equity (ytd only) | -2.4768% | 6,288 |
| Net charge-offs to loans | 0.2001% | 3,709 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | -7.6000% | 5,553 |
| Efficiency ratio | 117.4312% | 477 |
| Assets per employee ($millions) | 2.0368% | 7,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 3,530 |
| Loan loss allowance to noncurrent loans | 337.5000% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 6,469 |
| Noncurrent loans to loans | 0.4680% | 6,362 |
| Net loans and leases to total assets | 45.0524% | 6,901 |
| Net loans and leases to deposits | 55.1043% | 6,837 |
| Net loans and leases to core deposits | 58.4414% | 6,851 |
| Total domestic deposits to total assets | 81.7585% | 5,173 |
| Equity capital to assets | 12.2205% | 1,923 |
| Core capital (leverage) ratio | 7.8290% | 6,461 |
| Tier 1 risk-based capital ratio | 12.7883% | 4,495 |
| Total risk-based capital ratio | 14.0369% | 4,460 |
| Memoranda: | ||
| Average total assets | $21,023,000 | 7,698 |
| Average earning assets | $18,086,500 | 7,705 |
| Average equity | $2,745,500 | 7,570 |
| Average total loans | $9,993,500 | 7,649 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2478% | 5,425 |
| Cost of funding earning assets | 1.1015% | 6,975 |
| Net interest margin | 4.1463% | 2,261 |
| Noninterest income to average assets | 0.2945% | 6,007 |
| Noninterest expense to average assets | 4.9065% | 560 |
| Loan and lease loss provision to assets | 0.0100% | 7,376 |
| Net operating income to assets | -0.5071% | 6,188 |
| Return on assets (ROA) | -0.4592% | 6,136 |
| Pretax return on assets | -0.8835% | 6,334 |
| Return on Equity (ROE) | -3.1905% | 6,014 |
| Retained earnings to average equity (ytd only) | -3.1905% | 5,735 |
| Net charge-offs to loans | 0.0117% | 7,065 |
| Credit loss provision to net charge-offs | 200.0000% | 1,948 |
| Earnings coverage of net charge-offs (x) | -190.0000% | 7,231 |
| Efficiency ratio | 123.9596% | 544 |
| Assets per employee ($millions) | 1.7855% | 7,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 3,224 |
| Loan loss allowance to noncurrent loans | 215.0685% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 6,522 |
| Noncurrent loans to loans | 0.7502% | 5,762 |
| Net loans and leases to total assets | 48.7450% | 6,755 |
| Net loans and leases to deposits | 57.0526% | 6,847 |
| Net loans and leases to core deposits | 65.5036% | 7,005 |
| Total domestic deposits to total assets | 85.4386% | 3,328 |
| Equity capital to assets | 14.0166% | 1,165 |
| Core capital (leverage) ratio | 8.2584% | 5,705 |
| Tier 1 risk-based capital ratio | 14.3096% | 3,318 |
| Total risk-based capital ratio | 15.5601% | 3,265 |
| Memoranda: | ||
| Average total assets | $20,034,600 | 7,772 |
| Average earning assets | $17,702,600 | 7,772 |
| Average equity | $2,883,600 | 7,620 |
| Average total loans | $8,514,200 | 7,764 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0838% | 6,325 |
| Cost of funding earning assets | 1.1149% | 7,145 |
| Net interest margin | 3.9689% | 2,946 |
| Noninterest income to average assets | 0.2715% | 6,289 |
| Noninterest expense to average assets | 4.2781% | 937 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0530% | 5,602 |
| Return on assets (ROA) | 0.0530% | 5,634 |
| Pretax return on assets | -0.4702% | 6,262 |
| Return on Equity (ROE) | 0.3659% | 5,667 |
| Retained earnings to average equity (ytd only) | 0.3659% | 5,045 |
| Net charge-offs to loans | 0.0162% | 6,691 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -71.1729% | 6,969 |
| Efficiency ratio | 112.3478% | 727 |
| Assets per employee ($millions) | 1.8698% | 7,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 2,515 |
| Loan loss allowance to noncurrent loans | 212.3288% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 6,597 |
| Noncurrent loans to loans | 0.8156% | 5,669 |
| Net loans and leases to total assets | 42.7606% | 7,323 |
| Net loans and leases to deposits | 56.6834% | 7,048 |
| Net loans and leases to core deposits | 67.0402% | 7,113 |
| Total domestic deposits to total assets | 75.4376% | 6,690 |
| Equity capital to assets | 14.0315% | 1,296 |
| Core capital (leverage) ratio | 8.9396% | 4,749 |
| Tier 1 risk-based capital ratio | 15.8821% | 2,671 |
| Total risk-based capital ratio | 17.1350% | 2,600 |
| Memoranda: | ||
| Average total assets | $20,133,000 | 7,845 |
| Average earning assets | $17,939,000 | 7,842 |
| Average equity | $2,916,250 | 7,685 |
| Average total loans | $8,210,000 | 7,853 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0180% | 6,709 |
| Cost of funding earning assets | 1.1597% | 7,220 |
| Net interest margin | 3.8583% | 3,301 |
| Noninterest income to average assets | 0.2602% | 6,417 |
| Noninterest expense to average assets | 3.5922% | 2,088 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4403% | 4,337 |
| Return on assets (ROA) | 0.4403% | 4,445 |
| Pretax return on assets | 0.1301% | 5,603 |
| Return on Equity (ROE) | 3.0072% | 4,898 |
| Retained earnings to average equity (ytd only) | 3.0072% | 3,646 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5054% | 1,347 |
| Assets per employee ($millions) | 2.5026% | 7,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 1,840 |
| Loan loss allowance to noncurrent loans | 325.0000% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 6,893 |
| Noncurrent loans to loans | 0.5789% | 6,098 |
| Net loans and leases to total assets | 40.6323% | 7,517 |
| Net loans and leases to deposits | 51.7559% | 7,397 |
| Net loans and leases to core deposits | 62.0282% | 7,381 |
| Total domestic deposits to total assets | 78.5076% | 5,953 |
| Equity capital to assets | 14.5997% | 1,139 |
| Core capital (leverage) ratio | 9.1787% | 4,335 |
| Tier 1 risk-based capital ratio | 17.8163% | 2,064 |
| Total risk-based capital ratio | 19.0722% | 2,010 |
| Memoranda: | ||
| Average total assets | $19,988,000 | 7,927 |
| Average earning assets | $17,935,330 | 7,921 |
| Average equity | $2,926,330 | 7,746 |
| Average total loans | $7,963,330 | 7,946 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9869% | 6,958 |
| Cost of funding earning assets | 1.1577% | 7,398 |
| Net interest margin | 3.8292% | 3,343 |
| Noninterest income to average assets | 0.2203% | 6,711 |
| Noninterest expense to average assets | 3.1245% | 3,285 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8412% | 2,950 |
| Return on assets (ROA) | 0.8412% | 3,095 |
| Pretax return on assets | 0.5408% | 4,945 |
| Return on Equity (ROE) | 5.7377% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.7377% | 2,762 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2459% | 2,171 |
| Assets per employee ($millions) | 2.8130% | 6,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9357% | 1,547 |
| Loan loss allowance to noncurrent loans | 164.2105% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 6,037 |
| Noncurrent loans to loans | 1.1788% | 4,617 |
| Net loans and leases to total assets | 40.1351% | 7,559 |
| Net loans and leases to deposits | 51.4518% | 7,434 |
| Net loans and leases to core deposits | 60.4667% | 7,434 |
| Total domestic deposits to total assets | 78.0052% | 6,016 |
| Equity capital to assets | 14.9053% | 1,129 |
| Core capital (leverage) ratio | 9.2385% | 4,350 |
| Tier 1 risk-based capital ratio | 18.3565% | 1,969 |
| Total risk-based capital ratio | 19.6095% | 1,926 |
| Memoranda: | ||
| Average total assets | $19,971,500 | 7,977 |
| Average earning assets | $17,967,000 | 7,962 |
| Average equity | $2,928,000 | 7,806 |
| Average total loans | $7,799,500 | 7,999 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2552% | 7,642 |
| Cost of funding earning assets | 1.5577% | 7,521 |
| Net interest margin | 3.6975% | 4,483 |
| Noninterest income to average assets | 0.2509% | 6,657 |
| Noninterest expense to average assets | 2.8705% | 4,538 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5789% | 4,399 |
| Return on assets (ROA) | 0.5789% | 4,263 |
| Pretax return on assets | 0.6899% | 4,431 |
| Return on Equity (ROE) | 4.0706% | 4,794 |
| Retained earnings to average equity (ytd only) | -0.6445% | 5,486 |
| Net charge-offs to loans | -0.0125% | 7,874 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6233% | 2,515 |
| Assets per employee ($millions) | 2.8931% | 6,329 |
| Cash dividends to net income (ytd only)* | 115.8333% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0690% | 1,117 |
| Loan loss allowance to noncurrent loans | 325.0000% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 6,623 |
| Noncurrent loans to loans | 0.6366% | 5,452 |
| Net loans and leases to total assets | 36.4606% | 7,813 |
| Net loans and leases to deposits | 46.4519% | 7,768 |
| Net loans and leases to core deposits | 52.9167% | 7,827 |
| Total domestic deposits to total assets | 78.4910% | 5,553 |
| Equity capital to assets | 14.4233% | 1,320 |
| Core capital (leverage) ratio | 10.3247% | 3,152 |
| Tier 1 risk-based capital ratio | 18.2757% | 1,966 |
| Total risk-based capital ratio | 19.5423% | 1,914 |
| Memoranda: | ||
| Average total assets | $20,728,400 | 7,996 |
| Average earning assets | $18,553,200 | 7,986 |
| Average equity | $2,948,000 | 7,853 |
| Average total loans | $7,989,200 | 8,036 |